I Want to Save for My Retirement
Most people know they should be saving for retirement.
The harder question is knowing how much to save, where to invest, and whether you are actually on track.
That is where a written financial plan can help.
At NZ Advice Group, Paul can work with you to create a clear retirement savings plan based on your current position, your goals, your timeframe and your comfort with investment risk.
Rather than guessing what to do, you will have a written plan that explains your options and gives you a practical path forward.
You do not need another product — you need a plan
When people think about retirement saving, they often jump straight to products.
Should I use KiwiSaver?
Should I invest in managed funds?
Should I repay debt?
Should I keep money in the bank?
Should I invest a lump sum?
Should I increase my regular savings?
These are all good questions.
But the right answer depends on your full situation.
That is why the first step should be a written financial plan, not a product decision.
Paul can help you work through the bigger picture before deciding where your money should go.
What does a written retirement plan include?
Your retirement plan may include:
Where you are now financially
What you want retirement to look like
How much you are currently saving
Whether your KiwiSaver is suitable
Whether managed funds may be appropriate
How much you could invest regularly
How much you can regularly withdraw to live off
How to invest a lump sum, if you have one
Whether debt repayment should be part of the plan
Your investment timeframe
Your risk profile
Your need for access to money before retirement
A practical action plan
When the plan should be reviewed
The aim is to give you clarity.
Not a generic answer. Not a guess. A plan written around you.
Why managed funds may be part of the plan
Managed funds can be useful for people who want to build retirement savings outside KiwiSaver.
They may suit people who want:
More flexibility than KiwiSaver
Access to money before retirement age if needed
A regular investment plan
A way to invest a lump sum
An ongoing regular monthly withdrawal
Diversification across different investments
Professional investment management
A long-term savings strategy
Future retirement income options
But managed funds are not automatically right for everyone.
Paul’s role is to help you understand whether they fit your situation, your timeframe and your comfort with risk.
Why a written plan matters
Without a plan, it is easy to make random decisions.
You might leave too much money sitting in the bank.
You might take too much risk.
You might be too conservative for your timeframe.
You might invest a lump sum without thinking about tax, debt or access.
You might rely only on KiwiSaver when you need more flexibility.
You might keep delaying because the choices feel too hard.
A written financial plan helps turn all of that into a clear set of steps.
It gives you something to follow, review and update as life changes.
Paul Harvey
Ask Paul to write my retirement plan
Paul@nzadvicegroup.co.nz 021 907 979
What Paul will help you work out
Paul can help you answer questions such as:
Am I saving enough for retirement?
Should I be investing outside KiwiSaver?
Are managed funds suitable for me?
How much should I invest each month?
What should I do with money sitting in the bank?
Should I repay debt or invest?
How should I invest an inheritance or property sale proceeds?
What level of investment risk is appropriate?
How do I create retirement income later?
How often should I review the plan?
The goal is not to make things complicated.
The goal is to give you a clear plan that makes sense.
This may suit you if
This page is for you if:
You want to start saving for retirement
You have money sitting in the bank and no clear plan
You want to invest outside KiwiSaver
You have received an inheritance
You have sold a rental property
You are in your 40s, 50s or 60s and want more clarity
You are unsure whether you are on track
You want help choosing a managed fund
You want a written plan before making investment decisions
You want someone to explain your options clearly
KiwiSaver can still be part of the plan
KiwiSaver may still play an important role in your retirement savings.
Paul can review your KiwiSaver alongside your wider financial position.
But this page should make it clear that KiwiSaver is only one part of the conversation.
For many people, a retirement plan may include both:
KiwiSaver for long-term retirement savings
and
Managed funds for flexible investing outside KiwiSaver
The right mix depends on your situation.
The process
1. Meet with Paul
Paul will talk with you about your current position, your goals, your savings, your debt and what you want retirement to look like.
2. Build the picture
He will review your KiwiSaver, existing investments, cash savings, income, timeframe and risk profile.
3. Write the plan
Paul will prepare a written financial plan that explains your options and recommended next steps.
4. Talk it through
You will go through the plan together so you understand the reasoning, the trade-offs and the action points.
5. Put the plan in place
If you choose to proceed, Paul can help you set up the recommended investment strategy.
6. Review it over time
Your plan should be reviewed as your life, income, goals and markets change.
Common mistakes to avoid
When people try to plan retirement on their own, common mistakes include:
Choosing investments before setting goals
Leaving money in the bank for too long
Investing based on last year’s returns
Taking too much risk close to retirement
Taking too little risk when retirement is still years away
Forgetting about fees, tax and access to money
Relying only on KiwiSaver
Not having a regular savings plan
Investing a lump sum without a clear strategy
Never reviewing the plan
A written plan helps you avoid making decisions in isolation.
Why work with Paul?
Paul works with clients who want clear, practical advice around retirement savings, KiwiSaver, managed funds and investment planning.
He can help you understand your options, put the numbers in context, and create a plan that is specific to your goals.
You do not need to know all the answers before you meet.
That is the point of getting advice.